Follow the dollars · Assumption only
A complete cash picture for Dec 14, 2026
Your down payment$217,008Cash toward the purchase price.
Closing costs + prepaids$12,448Not just lender fees.
Before credits & paid funds$229,456The complete starting cash picture.
Estimated remaining funds due at closing
$229,456No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$217,007.99
Your down payment$217,007.99
Closing costs + prepaids$12,448.07
Total buyer cash needed$229,456.06
Remaining funds due$229,456.06
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,400.00
Title & settlement$1,825.00
Recording fee$100.00
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,073.00
Initial HOA (3 months)$297.00
Prepaid interest, first (18 days)$453.07
Fees + prepaids$12,448.07
Your down payment is the seller’s equity. You take over the $222,992 balance, so the rest of the $440,000 price is paid at closing. A second mortgage can cover part of it. $229,456.06 is due at closing. Uses and sources reconcile at $452,448.07 each. Not a Closing Disclosure.